Legal notices

Terms of Use

By accessing this web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this web site or any pages thereof.

General Terms

HealthEquity, Inc. ("HealthEquity") does not provide medical advice, diagnosis, or treatment. Information obtained from HealthEquity licensors and from the HealthEquity web site, including text, tools and services, is for your personal informational purposes only and should not in any case replace professional medical advice. If you have a question regarding a medical condition, you should seek advice and treatment from a qualified health care professional. If you have a medical emergency, call 911 immediately.

Copyrights

Copyrights in the page content or display screens, and in the information and material within including their arrangement, are owned by HealthEquity, Inc. unless otherwise indicated. No information or content except as otherwise expressly stated herein, may be copied, transmitted, displayed, performed, distributed, or otherwise used in whole or in part in any manner without HealthEquity’s prior written consent, except to the extent permitted by the Copyright Act of 1976, as amended, and then, only for your personal nonbusiness use.

Content

The information, services, products, data, and materials contained in this web site are provided on an "as is" basis without warranty and HealthEquity, to the maximum extent permitted by law, does not assume responsibility or guarantee the accuracy, timeliness, or completeness of the content. The content is provided to enhance your understanding and is for illustrative purposes only—use the information at your own risk. Content may contain explicit health and/or medical materials. If you find these materials offensive, do not use this web site.

Applicable Law, Personal Jurisdiction, and Venue

These Terms of Use shall be governed by, and construed and enforced in accordance with the laws of the Utah (excluding conflicts of law principles). By using this web site, you agree to submit to the exclusive personal jurisdiction and venue of the federal and state courts located in Salt Lake County, Utah, with respect to all matters.

Unauthorized Use

Unauthorized use of HealthEquity’s web site(s) and systems, including but not limited to unauthorized entry, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

Changes to Terms of Use

HealthEquity reserves the right to update these Terms of Use at any time. Continued use of the HealthEquity web site and/or services, signifies your acceptance of any changes.

HealthEquity does not warrant the accuracy, adequacy, or completeness of the information and materials contained herein. HealthEquity disclaims all warranties and representations of any kind with regard to the web site, including any implied warranties of merchantability or fitness for any particular purpose. Under no circumstance will HealthEquity be liable for any indirect, consequential, incidental, special, punitive, or exemplary damages arisiing out of any use of or inability to use the web site or any portion thereof, regardless of whether HealthEquity has been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence). strict liability, or otherwise.

Security

At HealthEquity, protecting your privacy and security is our top priority. We understand the importance of security when managing your financial information online and over the phone. HealthEquity will never ask for your password or utilize an automated voice response system when contacting you. Some tips to prevent Security fraud and Identity theft include:

Never give out your Health Account number, Health Account debit card or Social Security number to solicitors or callers that you have not contacted.

Never give out your password for your HSA login.

Check your Health Account frequently using the HealthEquity member portal and contact us if you notice any suspicious activity.

Receive and pay bills online instead of by mail with the HealthEquity member payment portal. The less biller information in your mailbox, the better.

Protect your information by not receiving paper copies of your account statements. With free Online Statements, just login to your HealthEquity member portal and view or print the statement information you need. You will need to elect the Online Statement option from your member portal.

Provide personal information only on websites that are secure and only when you have initiated the contact. Always check for the lock icon in the bottom right of your screen, and check the browser to make sure that "https" ("s" indicates secure) is displayed in the website address.

Report any suspicious activity including automated messages inquiring about your account or calls from sources you cannot identify. If you feel that you have become a victim of suspicious activity, report the information immediately to HealthEquity Member Services at 866.346.5800.

Privacy Policy

Financial privacy policy

To read more about the HealthEquity privacy policy as it applies to HealthEquity, Inc. as an IRS-approved non-bank trustee and health account administrator, please refer to the HealthEquity Annual Notice of Privacy Practices.

Our commitment to privacy

Your privacy is important to us. As part of providing our services to you, you understand that we will obtain personal information about you. We take the responsibility of maintaining the confidentiality of this information seriously. This privacy notice is provided so that you will be aware of the measures we take to protect your privacy. It also describes information we collect and how we use this information to conduct our business. We do not sell our customer lists or individual customer information. By using our site you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Information we collect

The following is a nonexhaustive list of information we collect about you in order to provide services to you:

Name

Physical Address

Social Security Number

Date of Birth

Email Address

Phone Number

How we use information

We retain your personal information in order to provide products and services and may, from time to time, provide such information to nonaffiliated third party service providers to perform services for or functions on behalf of us, to effect, administer, or enforce transactions authorized by you; for example,

To verify your identity, open and administer your accounts and provide other financial services under the USA PATRIOT Act

To open and administer your accounts and provide other financial services

To make payments to medical service providers

To help us protect you and us from financial loss

To prepare account statements

To prepare annual tax reporting information, if applicable

We may also exchange information with reputable reference sources or reporting agencies for risk management, and verification, in order to maximize the accuracy, and security of your personal information. Only information needed to service your account or protect against fraud will be used or provided, in accordance with standard industry practice, unless we are required or allowed to do so by law. We will not market additional products or services to you if you advise us that you do not wish for us to do so.

In addition, we will collect and store the following:

Names of the dependents (and other identification or "ID") that are covered by your account

Names and ID of people authorized by you to use your account

Names and ID of people authorized by you to access your account information

Transactions with us such as your account balance, fees, payments, withdrawals, deposits and the identity of persons to whom you make payments, including health care providers

The information can come from one or more of the following sources:

On account applications, or in communications with us

From your employer or health plan, if you enrolled through them

Information from public sources such as government records

From information you provide us on our website

Our information security standards

We have developed policies and procedures to keep your personal information confidential and secure. We restrict access to those employees and other persons who must use that information to provide services on our behalf. We maintain physical, electronic and procedural safeguards, in compliance with applicable laws, regulations and industry standards, to protect the confidentiality of the personal information we obtain.

We require our service providers to maintain the same level of confidentiality and security that we do. We continually update and improve our security standards and procedures to help protect against anyone gaining unauthorized access to your confidential information and to prevent fraud.

Online Privacy and Security

We collect and use the information you provide us online to respond to your needs, service your accounts, and provide online transaction services. We do not collect personally identifiable information about you unless you voluntarily provide us with that information through email or online applications.

Use of "Cookies" on HealthEquity’s Web Sites

While visitors to our Web site(s) remain anonymous, we do occasionally utilize "cookies" to provide a more valuable experience. Such cookies are used only to enhance the customer’s experience. We do not use cookies for marketing purposes. (A cookie is a small text file sent by a Web server and stored on your hard drive in your browser. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; cookies do not carry viruses and are not programs that can perform functions on your computer. Most browsers will allow you to disable cookies, or can be set to notify you when you receive a cookie, thus giving you the opportunity to decide whether or not to accept it.) If you choose to disable cookies certain functionality on the website may be impaired or may not work at all.

IDs and passwords

To access certain online services, you will need a User ID and a Password. This information may either be provided to you or you will be allowed to choose your own. The User ID and Password are designed to protect you by confirming your identity to our computer network systems, and are to be kept confidential. Our employees do not have access to your password. It is very important that you not share this information or allow a computer to "remember" your password, particularly if you are using a computer with public access such as one located in a library. For additional security, you may be required to change your password from time to time.

Other Authorized Users of the Account

Depending on the type of account, the primary account holder may grant the authority to someone else to use the account (such as a spouse, dependent, or a legal representative). The primary account holder is at all times responsible for the transactions those authorized individuals made. Those authorized users will have access to the account balance if they are properly authenticated by our system. The primary account holder should inform those individuals that he/she can see ALL of the transactions those individuals made, and therefore, should have no expectations of privacy.

Depending on the type of account, the primary account holder may grant the authority to someone else to access the account information, including all transaction history. This authority is different from the right to use the account. If the primary account holder grants authority to access the account, once we authenticate the individual’s identity, that individual will have full access to the account information, just like the primary account holder.

Encryption and Security

Information provided via our web portal is submitted within a secure session. These sessions utilize Transport Layer Security (TLS, formerly known as SSL) technology in order to ensure that the information is encrypted while in transit. Your browser must be able to support this technology in order to use our web services.

E-mail

E-mail, by nature, is not secure and may be intercepted and viewed by others. Therefore, you should refrain from sending email that contains any confidential or private information, such as your member ID, your social security, or credit card number. We will not send you any email that contains confidential information that would allow identity theft (such as SSN) or contains protected information (such as your health information).

Other HealthEquity services

If you have a Health Savings Account, and your account balance exceeds a certain minimum (normally $7,500, but varies depending on how your account was established), you will be eligible to use our web-only investment advisor services offered by HealthEquity Advisors, LLC, a wholly owned company of HealthEquity, Inc. If you choose to use HealthEquity Advisors, LLC services, your consent to make all account information contained in HealthEquity, Inc.’s system available to HealthEquity Advisors, LLC, and further authorize the use of those information to provide you with the services. Finally, in order for HealthEquity Advisors, LLC to provide you with meaningful information, you will be asked to provide complete and accurate financial information not contained in our system. If you provide such information, you are consenting to the use of the information as described in HealthEquity Advisors, LLC user/services agreement.

Links to other web sites

HealthEquity works with a number of other companies to ensure that we are providing the value and service you expect. Some of these companies offer "co-branded" or "alliance" products; others may be third parties who provide additional online products and services. By using their services you are authorizing us to share and/or provide private information to them, which may be stored on their servers. You will see a disclosure on our site that alerts you when you are leaving our Web site. These parties often have their own privacy policies, and may have online data collection policies that may differ from ours. Although we encourage these parties to adopt and follow privacy procedures, we are not responsible for their use of your personal information and our Privacy Notice does not cover their information practices. Therefore, for your protection, we recommend that you review the privacy notices provided on their Web sites.

Links from employers or health plans

If your account was established by your employer or your health plan, they may have requested that we set up a communication channel whereby you can log into HealthEquity’s portal (known as Single Sign on) or access your account information through their site without entering your user name and password again. Your employer or health plan also may have contracted with another vendor that provides additional services, such as personal health care costs management, that allows you to log into HealthEquity’s portal or access your HealthEquity’s account information through that vendor’s website, also without entering your HealthEquity user name and password. When you use those websites to sign into HealthEquity’s portal or access your account information, you are authorizing HealthEquity’s system to pass on certain personal information, such as your account balances, to those systems.

California and Vermont privacy notice

For California and Vermont residents, the information sharing practices described above are in accordance with federal law. California and Vermont law places additional restrictions on sharing information about their residents, and our policies comply with such restrictions.

California Civil Code Section 1798.83 permits you, if you are a California resident, to request certain information regarding disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to legal@healthequity.com or write us at Privacy Officer, HealthEquity, Inc., 15 W Scenic Pointe Drive, Suite 100, Draper, UT 84020.

Cal. Bus. And Prof. Code Section 22575 also requires us to notify you how we deal with the "Do Not Track" settings in your browser. Currently, HealthEquity’s system does not respond to the Do Not Track settings.

We hope our Privacy Notice will help you understand how we collect and share information. If you have any questions, please contact us. We are required by federal and state law to provide you with a copy of our Privacy Notice every twelve months. We reserve the right to change this Privacy Notice, in whole or in part, by providing notice in accordance with applicable law.

Entities covered by this privacy policy

Unless we specifically named an entity, this privacy policy covers both HealthEquity, Inc. and its subsidiaries, including but not limited to HealthEquity Advisors, LLC.

0:14 - Investments available to HSA holders are subject to risk, including the possible loss of the principal invested and are not FDIC insured or guaranteed by HealthEquity, Inc.. HealthEquity, Inc. does not provide financial advice.

0:24 - For illustrative purposes only. Not a recommendation of any security.

1:25 - For illustrative purposes only. Not a recommendation of any security.

2:31 - For illustrative purposes only. Not a recommendation of any security.

2:51 - For illustrative purposes only. Not a recommendation of any security.

0:25 - HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

1:08 - Accounts must be activated via the HealthEquity website in order to use the mobile app.